Phoenix ME Limited has chosen to provide you with the opportunity to join the Group Private Medical Insurance Scheme. The aim of this benefit is to provide you with a fast, efficient and convenient service in relation to diagnosis and treatment of health issues.
Details of the cover are provided below.
| Insurer | Vitality Health |
| Benefit level provided | Please refer to the policy documentation and literature provided by Vitality Health for full cover and benefit levels.
From the day that you join Phoenix Plc, you will be included in our Group Private Medical Insurance Scheme, currently with Vitality, and this automatic cover will be on a single membership, paid for by Phoenix.
Please note this single cover premium, paid by Phoenix ME on your behalf, will result in a benefit in kind (also known as a P11D) tax charge which will mean that you, as an employee, will pay tax at your marginal rate on the premium paid by Phoenix. For example, if the premium is £150 per month, and you are a 40% taxpayer, you will have an additional tax charge of £150 x 12 x 40% =£720 for the tax year. Membership of the Group Private Medical Insurance scheme is not compulsory and if you do not wish to have the cover, e.g you may have cover elsewhere or just not want to have the additional tax burden, all you need to do it advise PME that you wish to be removed. If you wish to change your cover to couple cover or family members (including spouse and/or children), this can be arranged with the cost of the additional cover being deducted from your salary each month. Since PME are not paying this element, there is no benefit in kind charge. To add family members, you will need to provide name, date of birth and relationship details of the additional family members. Please note that partners need to live at the same address. No application form is required to join the scheme currently. The scheme is ‘Medical History Disregarded’ and therefore no medical questions are asked. However membership is at the discretion of the Group Secretary. In the event of a claim there is a £250 excess per member, per scheme year. Full outpatient treatment is covered, provided prior approval has been obtained from Vitality Health. |
| Cover commencement | Once you have joined the scheme, confirmation of this will be within the policy documentation sent to you by Vitality Health. |
| Cover ceasing | Cover may continue until you leave the company’s employment or choose to opt out of the Vitality plan. |
| Making a claim | Call Vitality Health on 0345 602 3523 quoting your individual 10 digit member number provided on your plan documentation. |
If you have any queries or require any further information please contact Richmond House Corporate Services on 0333 355 3350 or info@richmondhousecs.co.uk in the first instance.
